【摘要】：社會(huì)主義新農(nóng)村的建設(shè)需要金融的支持，而我國(guó)農(nóng)村地區(qū)資金供需情況不容樂(lè)觀，，農(nóng)村經(jīng)濟(jì)發(fā)展所需資金嚴(yán)重不足，這在很大程度上減緩了農(nóng)村經(jīng)濟(jì)發(fā)展的腳步。之所以農(nóng)村地區(qū)資金供求矛盾突出，主要是因?yàn)殡S著金融體制改革的不斷深化，農(nóng)村金融體系發(fā)生了很大的變化。農(nóng)業(yè)銀行在實(shí)現(xiàn)股份制改造成功上市之后，農(nóng)村地區(qū)網(wǎng)點(diǎn)大幅減少，業(yè)務(wù)逐漸轉(zhuǎn)向城市地區(qū)，向第二，第三產(chǎn)業(yè)轉(zhuǎn)移，服務(wù)“三農(nóng)”的功能弱化。作為農(nóng)業(yè)政策性銀行的農(nóng)業(yè)發(fā)展銀行，其職能定位由一開(kāi)始的綜合支農(nóng)職能改為目前的單純職能，資金主要投放于糧棉等農(nóng)副產(chǎn)品的儲(chǔ)備，收購(gòu)等與此有關(guān)的業(yè)務(wù)。郵政儲(chǔ)蓄銀行過(guò)去多年來(lái)只存不貸的狀況使得大量來(lái)自農(nóng)村的資金卻無(wú)法留在農(nóng)村發(fā)揮支持農(nóng)村經(jīng)濟(jì)發(fā)展的作用。而民間金融受制于其自身的局限性，也無(wú)法滿足農(nóng)村經(jīng)濟(jì)發(fā)展的資金需求。 基于上述原因，在我國(guó)農(nóng)村金融體系中，農(nóng)村信用社一直發(fā)揮著主力軍的作用。農(nóng)村信用社能否穩(wěn)定有效的運(yùn)營(yíng)，直接關(guān)系著我國(guó)農(nóng)村金融體系的穩(wěn)定與發(fā)展。但是由于歷史原因以及農(nóng)村信用社自身發(fā)展過(guò)程中存在的諸多問(wèn)題，農(nóng)村信用社要想最大限度的在農(nóng)村金融體系中發(fā)揮支農(nóng)主力軍作用就必須進(jìn)行改革。在過(guò)去的幾十年里，農(nóng)村信用社進(jìn)行了多次改革。隨著改革的不斷推進(jìn)，農(nóng)村信用社選擇何種改革模式成為研究的焦點(diǎn)。山西省的農(nóng)村信用社改革起步比較晚，目前已有一部分經(jīng)過(guò)股份制改革成為農(nóng)村商業(yè)銀行。這樣的改革模式成效如何，究竟是否適應(yīng)山西的經(jīng)濟(jì)發(fā)展、對(duì)山西省農(nóng)村信用社的改革工作有什么啟示和借鑒作用，值得我們?nèi)パ芯俊?本文以我國(guó)農(nóng)村金融的現(xiàn)狀和農(nóng)村信用社的發(fā)展歷程為研究背景，深入分析了我國(guó)農(nóng)村信用社目前存在的主要問(wèn)題，并指出了我國(guó)農(nóng)村信用社進(jìn)行商業(yè)銀行改革的必要性和理論基礎(chǔ)，選擇了幾家我國(guó)其他省份農(nóng)村信用社商業(yè)銀行改革的典型范例進(jìn)行了分析，并重點(diǎn)詳細(xì)研究了山西省已經(jīng)成立的農(nóng)村商業(yè)銀行進(jìn)行股份制商業(yè)銀行改革的相關(guān)內(nèi)容，對(duì)其改制的成效進(jìn)行了評(píng)價(jià)。最后，結(jié)合山西省的農(nóng)村商業(yè)銀行如何進(jìn)一步發(fā)展，提出了相應(yīng)的對(duì)策和建議。 縱觀以往對(duì)農(nóng)村信用社進(jìn)行改革的大量研究還沒(méi)有一篇選擇以山西省的農(nóng)村信用社為研究對(duì)象，而本文選取山西省農(nóng)村信用社為研究對(duì)象，具有一定的創(chuàng)新性。本文調(diào)查研究獲得了山西省幾家農(nóng)村商業(yè)銀行的經(jīng)營(yíng)數(shù)據(jù)，代表了這些農(nóng)村商業(yè)銀行進(jìn)行商業(yè)銀行改革發(fā)展后的最新發(fā)展情況和趨勢(shì)，使得本文的研究具有更強(qiáng)的時(shí)效性。
[Abstract]:The construction of new socialist countryside needs financial support, but the situation of fund supply and demand in rural areas in China is not optimistic, and the funds needed for the development of rural economy are seriously insufficient, which to a great extent slows down the pace of rural economic development. The contradiction between supply and demand of funds in rural areas is prominent, mainly because with the deepening of financial system reform, great changes have taken place in rural financial system. After the Agricultural Bank of China successfully listed on the stock market, the network in rural areas decreased dramatically, the business gradually turned to the urban areas, transferred to the second, tertiary industry, and the function of serving the "agriculture, rural areas and farmers" was weakened. As an agricultural policy bank, the function of Agricultural Development Bank has changed from the function of comprehensive support for agriculture at the beginning to that of simple function at present. The funds are mainly invested in the reserve of grain and cotton and other agricultural and sideline products, acquisition and other related business. In the past years, the Postal savings Bank has made it impossible for a large number of funds from rural areas to remain in rural areas to support the development of rural economy. Private finance is limited by its own limitations, and can not meet the capital needs of rural economic development. For the above reasons, rural credit cooperatives have been playing the main role in our country's rural financial system. The stable and effective operation of rural credit cooperatives is directly related to the stability and development of our country's rural financial system. However, due to historical reasons and many problems existing in the development of rural credit cooperatives themselves, rural credit cooperatives must be reformed in order to maximize the role of supporting agriculture in the rural financial system. In the past few decades, rural credit cooperatives have been reformed many times. With the development of reform, rural credit cooperatives choose which mode of reform becomes the focus of research. The reform of rural credit cooperatives in Shanxi Province started relatively late, and has become a rural commercial bank through joint-stock system reform. What is the effect of such a reform mode, whether it is suitable for the economic development of Shanxi, and what inspiration and reference it has to the reform work of Shanxi Rural Credit Cooperatives, which is worth our study. Based on the current situation of rural finance and the development of rural credit cooperatives in China, this paper makes a thorough analysis of the main problems existing in rural credit cooperatives in China. It also points out the necessity and theoretical basis of commercial bank reform in rural credit cooperatives of our country, and analyzes the typical examples of commercial bank reform of rural credit cooperatives in several other provinces of our country. It also focuses on the relevant contents of reform of joint-stock commercial banks established in Shanxi Province, and evaluates the effectiveness of the reform. Finally, combined with the further development of rural commercial banks in Shanxi Province, the corresponding countermeasures and suggestions are put forward. Throughout the past a large number of studies on the reform of rural credit cooperatives have not a choice of rural credit cooperatives in Shanxi Province as the research object, but this paper selected Shanxi Province rural credit cooperatives as the research object, has a certain degree of innovation. This paper investigates and studies the management data of several rural commercial banks in Shanxi Province, which represents the latest development and trend after the reform and development of these rural commercial banks, which makes the research in this paper more time-efficient.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35

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本文編號(hào)：2250358